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CMTGClaros Mortgage Trust, Inc.
$2.27$318M
Overview & Verdict
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  1. Home
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  1. Home
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  3. CMTG
  4. Financial Ratios

Claros Mortgage Trust, Inc. (CMTG) Financial Ratios

Latest Ratios: P/E Ratio -0.7x · EV/EBITDA N/A · ROE -27.6%. (2018–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

CMTG Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Market Cap$318M$430M$629M$1.9B$2.0B$2.2B———
Enterprise Value$3.3B$3.4B$5.4B$7.3B$7.1B$6.5B———
P/E Ratio →-0.65——806.5118.3912.91———
P/S Ratio0.741.003.6914.557.5810.26———
P/B Ratio0.210.280.310.820.830.85———
P/FCF——7.5717.3318.8510.91———
P/OCF——7.4517.0018.4610.33———

P/E links to full P/E history page with 30-year chart

CMTG EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
EV / Revenue—7.9031.7555.9026.4430.05———
EV / EBITDA———62.13—————
EV / EBIT———41.15—————
EV / FCF——65.1666.5665.7231.98———

CMTG Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Gross Margin-86.9%-86.9%-28.6%61.9%100.0%100.0%100.0%100.0%83.2%
Operating Margin-113.6%-113.6%-111.5%82.8%——77.1%69.7%80.6%
Net Profit Margin-113.6%-113.6%-129.6%4.6%41.5%79.3%75.6%67.6%78.6%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
ROE-27.6%-27.6%-10.3%0.3%4.4%6.7%8.2%7.8%6.9%
ROA-8.4%-8.4%-2.9%0.1%1.4%2.4%3.0%3.2%3.4%
ROIC-6.5%-6.5%-2.0%1.1%——2.7%3.0%—
ROCE-10.5%-10.5%-2.7%1.4%——3.6%4.3%5.7%

CMTG Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Debt / Equity2.052.052.432.422.201.751.511.400.76
Debt / EBITDA———47.57——18.1019.6210.65
Net Debt / Equity—1.942.392.332.071.631.331.270.72
Net Debt / EBITDA———45.96——16.0317.7010.13
Debt / FCF——57.6049.2346.8721.0623.5423.7612.24
Interest Coverage-1.45-1.45-0.410.36——1.201.24—

CMTG Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Current Ratio1.801.8021.8716.8915.747.555.647.062.58
Quick Ratio1.801.8021.8716.8915.747.555.647.062.58
Cash Ratio0.080.080.330.430.630.340.350.360.05
Asset Turnover—0.090.020.020.030.030.040.040.04
Inventory Turnover—————————
Days Sales Outstanding—————————

CMTG Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Dividend Yield——19.2%10.2%10.2%9.3%———
Payout Ratio———3188.3%185.7%120.2%108.7%109.9%83.2%

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Earnings Yield———0.1%5.4%7.7%———
FCF Yield——13.2%5.8%5.3%9.2%———
Buyback Yield0.0%0.0%0.6%0.2%1.0%0.2%———
Total Shareholder Yield0.0%0.0%19.7%10.4%11.2%9.5%———
Shares Outstanding—$141M$139M$139M$139M$135M$141M$141M$141M

Key Metrics

Growth RegimeContracting
ProfitabilityNegative
Balance SheetVulnerable
Cash FlowBurning
Top Statement Risk

Transitional loan credit impairment

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q1)

Deep Discount Reflects Asset Uncertainty

According to recent market data, CMTG trades at a P/B ratio of 0.22, which significantly trails the broader mortgage REIT sector and suggests that investors are pricing in substantial permanent impairments to the underlying loan portfolio rather than a simple cyclical recovery in transitional real estate values.

The current valuation appears to reflect a market consensus that the firm's book value is overstated due to the high concentration of transitional office assets. Investors should monitor whether this discount narrows as the company resolves its non-accrual loans or if it persists as a permanent reflection of impaired capital.

Negative Margins Indicate Structural Impairment

As reported in financial statements, the company's NOI margin reached -30.1% in 2026Q1, a dramatic shift from the positive margins seen in 2025Q3, which indicates that the cost of credit provisions and financing is currently overwhelming the interest income generated by the remaining loan book.

This negative profitability profile suggests that the firm is struggling to maintain a viable spread between its cost of capital and the cash-on-cash yield of its collateral. The volatility in these margins warrants further investigation into whether the firm can achieve stabilization without further asset liquidations.

Leverage Metrics Mask Underlying Risk

Based on reported figures, the debt-to-equity ratio of 2.05 in 2025Q4 appears deceptively low for a mortgage REIT, potentially obscuring the true extent of non-recourse financing or off-balance-sheet obligations that could exacerbate liquidity pressures during periods of portfolio stress.

The apparent deleveraging may be a byproduct of asset sales rather than a deliberate strengthening of the balance sheet. Analysts should remain cautious, as the interest coverage ratio of -4.92 in 2026Q1 suggests that the firm's ability to service its debt is currently compromised by its operational losses.

Misapplication of Standard P/E Multiples

The most commonly misapplied metric for CMTG is the standard P/E ratio, which fails to account for the massive non-cash credit loss provisions that distort GAAP earnings and obscure the REIT's actual capacity to generate distributable cash flow from its performing loan portfolio.

Using P/E in this context is misleading because it treats non-cash impairments as recurring operational expenses, which masks the underlying cash-generating potential of the assets. Investors should instead focus on Adjusted FFO or Distributable Earnings to better understand the firm's true economic performance and dividend sustainability.

Download Financial Ratios Data

Includes 30+ ratios · 8 years · Updated daily

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CMTG — Frequently Asked Questions

Quick answers to the most common questions about buying CMTG stock.

What is Claros Mortgage Trust, Inc.'s P/E ratio?

Claros Mortgage Trust, Inc.'s current P/E ratio is -0.7x. The historical average is 15.6x.

What is Claros Mortgage Trust, Inc.'s ROE?

Claros Mortgage Trust, Inc.'s return on equity (ROE) is -27.6%. The historical average is -0.4%.

Is CMTG stock overvalued?

Based on historical data, Claros Mortgage Trust, Inc. is trading at a P/E of -0.7x. Compare with industry peers and growth rates for a complete picture.

What are Claros Mortgage Trust, Inc.'s profit margins?

Claros Mortgage Trust, Inc. has -86.9% gross margin and -113.6% operating margin.